Pearson Vue National Health Insurance Exam 2026
| All Questions and Correct Answers | Graded A+ |
Verified Answers | Just Released
Which of the following definitions of disability would cover a permanent partial
disability?
A. Own occupation
B. Any occupation
C. Residual disability
D. Presumptive disability ---------CORRECT ANSWER-----------------C. Residual
disability
Group health insurance specifies that what percentage of eligible individuals
MUST be offered coverage under a noncontributory plan?
A. 25
B. 50
C. 75
,D. 100 ---------CORRECT ANSWER-----------------D. 100
An Eligible Expenses provision in a comprehensive major medical policy
commonly identifies all of the following types of covered health care services
EXCEPT:
A. professional services of doctors and other medical practitioners
B. hospital charges for semi-private room and board
C. experimental and investigative services
D. pre-approved home health care ---------CORRECT ANSWER-----------------C.
experimental and investigative services
Which of the following provisions explains that a producer does not have the
authority to waive the provisions of an insurance contract?
A. Legal actions
B. Reinstatement
C. Time limit on certain defenses
, D. Entire Contract ---------CORRECT ANSWER-----------------D. Entire Contract
Under the Claims Forms provision of a health policy, if the insurance company
fails to send claim forms within the time period required, the insured should:
A. expect a full refund of all premiums paid plus interest
B. submit the claim in any form, which must be accepted by the company as
adequate proof of loss
C. request the Department of Insurance mediate the claim settlement
D. wait for the claim form to arrive ---------CORRECT ANSWER-----------------B.
submit the claim in any form, which must be accepted by the company as
adequate proof of loss
The Coordination of Benefits clause found in group health master contracts is
used to:
A.integrate Disability Income benefits with Major Medical benefits
B. avoid double payment of benefits to an insured who has duplicate group
coverages
| All Questions and Correct Answers | Graded A+ |
Verified Answers | Just Released
Which of the following definitions of disability would cover a permanent partial
disability?
A. Own occupation
B. Any occupation
C. Residual disability
D. Presumptive disability ---------CORRECT ANSWER-----------------C. Residual
disability
Group health insurance specifies that what percentage of eligible individuals
MUST be offered coverage under a noncontributory plan?
A. 25
B. 50
C. 75
,D. 100 ---------CORRECT ANSWER-----------------D. 100
An Eligible Expenses provision in a comprehensive major medical policy
commonly identifies all of the following types of covered health care services
EXCEPT:
A. professional services of doctors and other medical practitioners
B. hospital charges for semi-private room and board
C. experimental and investigative services
D. pre-approved home health care ---------CORRECT ANSWER-----------------C.
experimental and investigative services
Which of the following provisions explains that a producer does not have the
authority to waive the provisions of an insurance contract?
A. Legal actions
B. Reinstatement
C. Time limit on certain defenses
, D. Entire Contract ---------CORRECT ANSWER-----------------D. Entire Contract
Under the Claims Forms provision of a health policy, if the insurance company
fails to send claim forms within the time period required, the insured should:
A. expect a full refund of all premiums paid plus interest
B. submit the claim in any form, which must be accepted by the company as
adequate proof of loss
C. request the Department of Insurance mediate the claim settlement
D. wait for the claim form to arrive ---------CORRECT ANSWER-----------------B.
submit the claim in any form, which must be accepted by the company as
adequate proof of loss
The Coordination of Benefits clause found in group health master contracts is
used to:
A.integrate Disability Income benefits with Major Medical benefits
B. avoid double payment of benefits to an insured who has duplicate group
coverages
